Pulled TU and FICO jumped to 745 from 609 in one year!

Pulled TU and FICO jumped to 745 from 609 in one year!

I've been rebuilding my credit since last year and my FICO was previously 609 before I started cleaning it up. I applied for a Cap1 secured card last Feb and got another offer for a Cap1 platinum shortly after. After disputing a number of accounts I was able to pull my score up to 685 by last September. I've been gardening the last half year and wanted to wait until February to start my app spree. I received a promotion in the email from MyFICO for 20% off credit score checks from TU and EQ so I decided to give it a try before I applied anywhere. To my surprise my score jumped up to 745 on TU! Now I'm just waiting for my accounts to report for the month of January because I paid them down and I'm going to go shop for atleast 3 new accounts. Wish me luck!

Re: Pulled TU and FICO jumped to 745 from 609 in one year!

Thanks Everyone! It definitely took a lot of work but hard work does pay off. I've been monitoring my credit weekly and doing everything necessary to get all the blemishes off so I'm so relieved that it all worked out.

Re: Pulled TU and FICO jumped to 745 from 609 in one year!

I came to the conclusion that I wanted a Citi and possibly an Amazon or Walmart Discover but after receiving my new score I'm confident to apply for an AMEX (possibly in store at Costco) and probably a Barclays card and the Amazon/Walmart Discover.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation.
Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies.
Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.